HeptaGeeks
Simple Tools for
Smarter Decisions
Fast, free, no-login tools to help you evaluate income, taxes, and affordability.
Choose Your RegionChoose Your Region
Select a country hub built around your local financial context.
Philippine Financial Tools
Philippine-focused calculators for income, affordability, taxes, and financial goals.
Explore PH ToolsIncludes grouped sections for financial goals, housing, tax, and transportation tools.
United States Financial Tools
US-focused calculators for salary, housing, retirement, and affordability.
Explore US ToolsEarly hub architecture is live now, with US tool sections ready for expansion.
Featured Tool: RERA
Analyze property investment risks before making a financial commitment. RERA helps you evaluate regulatory compliance, financial exposure, and development risks for Philippine real estate projects.
Launch RERAPopular Calculators
Fast, free tools for your most important financial decisions.
Home Loan Affordability
Find out how much you can realistically borrow for a home based on your income and existing debts.
Check AffordabilityBIR Income Tax Calculator
Estimate your Philippine income tax under TRAIN Law for employees and self-employed individuals.
Calculate TaxCar Loan Calculator PH
Compute monthly amortization, total interest, and real cost of financing a vehicle in the Philippines.
Use ToolRent vs Buy Calculator
Compare long-term financial outcomes of renting versus buying property in the Philippines.
Compare NowProperty Area Affordability
See how many square meters your budget buys in Makati, BGC, QC, Pasig, and other Metro Manila areas.
Estimate PriceMillionaire Timeline
Calculate how long it takes to reach your wealth goal based on savings and expected returns.
Use ToolWhy Use HeptaGeeks?
Use every tool instantly. No account creation, no email signup, no data stored.
Built for Philippine realities — BIR tax rules, local interest rates, peso amounts, and local financial guidance.
Each calculator comes with real-world examples, FAQs, and interpretation guides — not just numbers.
All tools are completely free to use. Your inputs are not collected or stored.
Financial Decision Guides
Practical explanations to go alongside the calculators.
How Much Salary for a House?
Income requirements for ₱3M, ₱5M, and ₱8M properties in the Philippines with bank loan assumptions.
Read GuideCommon Home Loan Mistakes
Eight financial mistakes Filipino homebuyers make before and after signing a mortgage.
Read GuideHow Car Loan Interest Works
Why 1.3% add-on rate is not 1.3% per month — and what your car actually costs you in total.
Read GuideTRAIN Law Tax Brackets
The current Philippine income tax schedule explained simply, with examples at different salary levels.
Read Guide8% vs Graduated Tax
When the 8% flat tax saves freelancers money — and when the graduated schedule is better.
Read GuideFreelance Tax Mistakes
Common BIR compliance errors Filipino freelancers make and how to avoid costly penalties.
Read GuideHeptaGeeks provides practical financial tools and guidance for Filipinos making significant money decisions. Whether you are planning to buy a home, finance a vehicle, or understand your tax obligations, each tool is built with real Philippine context in mind.
Our calculators require no login, no email, and no unnecessary steps. Enter your numbers and get a clear result with guidance on what it means for your financial situation.
Alongside the calculators, the HeptaGeeks financial guides explain how lending, taxation, and affordability work in the Philippine context — so you are not just getting a number, but understanding what drives it.